10 Best Credit Cards for Reserved of October 2026
Top picks for Reserved from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Reserved. Order can differ from that column because ranking adds the adjustments above.
Chase Sapphire Reserve earns the top spot for Reserved purchases at 14.4¢ per dollar at reserved — a $795 annual fee. We ranked every card in our database against Reserved purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Chase Sapphire Reserve
Chase
- +Official cobrand card — earns Ultimate Rewards on all purchases
- +8x on Travel booked through the required portal — points worth 1.8¢ each
- +Est. $240/yr value — Annual Travel Credit
Chase Freedom Flex
Chase
- +5x on Travel booked through the required portal — points worth 1.8¢ each
- +Travel and Emergency Assistance Services
- +Auto Rental Collision Damage Waiver
Chase Sapphire Preferred Card
Chase
- +5x on Travel booked through the required portal — points worth 1.8¢ each
- +Est. $50/yr value — $100 Annual Hotel Credit
- +Auto Rental Coverage
Why Chase Sapphire Reserve wins for Reserved
Chase Sapphire Reserve earns 14.4¢ per dollar at Reserved, the highest marginal rate in our list for this brand. At 14.4¢ per dollar, rewards cover the $795 fee after about $5,520 a year in Reserved spending. To come out ahead of Chase Freedom Flex (9.0¢), you'd need about $14,720 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Travel Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Chase Sapphire ReserveChase | 8x Ultimate Rewards | 14.4¢/$ | $795 | $66 | visa |
| Chase Freedom FlexChase | 5x Ultimate Rewards | 9.0¢/$ | $0 | — | mastercard |
| Chase Sapphire Preferred CardChase | 5x Ultimate Rewards | 9.0¢/$ | $95 | — | visa |
| Delta SkyMiles Reserve American Express CardAmerican Express | 1x SkyMiles | 1.2¢/$ | $650 | $24 | amex |
| U.S. Bank Cash+® Visa Signature® CardU.S. Bank | 5% cash back | 5.0¢/$ | $0 | — | visa |
| Quicksilver Rewards for Good CreditCapital One | 5% cash back | 5.0¢/$ | $0 | — | mastercard |
| Bilt Obsidian CardCardless | 2x Bilt Rewards | 4.4¢/$ | $95 | — | mastercard |
| Chase Freedom UnlimitedChase | 5% cash back | 5.0¢/$ | $0 | — | visa |
| Capital One Quicksilver Cash Rewards Credit CardCapital One | 5% cash back | 5.0¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 3.8¢/$ | $0 | — | visa |
More Options
How to maximize value at Reserved
- Use Chase Sapphire Reserve for Reserved purchases — it earns 14.4¢ per dollar at Reserved in our scoring.
- Shopping portals sometimes offer extra rewards at Reserved; check current portal rates before you buy.
- Pair Chase Sapphire Reserve with Chase Freedom Flex to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major Reserved purchase around your card's welcome offer window — Chase Sapphire Reserve's sign-up bonus is worth roughly $1800 on top of base rewards.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Frequently asked
- What credit card earns the most at Reserved?
- Chase Sapphire Reserve ranks #1 for Reserved in our list at 14.4¢ per dollar at Reserved — $795 annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at Reserved?
- Shopping portals sometimes offer extra rewards at Reserved; check current portal rates before you buy.
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